14281 PALM TERRACE, PORT CHARLOTTE, FL, 33953
Active282 days on marketListed Nov 4, 2025MLS #D6144582
About this home
14281 PALM TERRACE
Welcome to your perfect Florida retreat in Port Charlotte, nestled between two iconic spring training facilities - the Tampa Bay Rays and Atlanta Braves stadiums. This charming two-bedroom, two-bathroom home offers an ideal blend of comfort and community living in a vibrant 55-plus neighborhood. Step into a thoughtfully updated interior featuring a renovated kitchen that's perfect for preparing your favorite meals. The refreshed bathroom adds modern convenience, while the new roof provides peace of mind for years to come. Both bedrooms offer ample space and comfort, with the primary bedroom providing a serene retreat. The community truly shines with its resort-style amenities. Stay active on the tennis courts, enjoy friendly competition at the shuffleboard area, or take a refreshing dip in the heated community pool. The welcoming clubhouse serves as a social hub, hosting various activities that make it easy to meet neighbors and make lasting friendships. Location is a true highlight, with the Gulf of Mexico's pristine beaches just a short drive away. Convenient shopping is nearby at Gulf Cove Publix Super Market, and Randy Spence Park offers a peaceful green space for outdoor enjoyment. Baseball enthusiasts will appreciate being minutes from Charlotte Sports Park, perfect for catching spring training games. The remarkably low monthly homeowner association fee of $170 includes lawn maintenance and access to all community amenities, making this an exceptional value for maintenance-free Florida living. This home presents an opportunity to join a warm, active community while enjoying the best of Florida's Gulf Coast lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,528
Sqft
0.11 ac
Lot size
2
Garage
1993
Year built
One
Levels
$150
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,091 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,091/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−30.6%
$/sqft vs Port Charlotte actives
$150 vs $208
Days on market
282 vs 60 typical
Where $150/sqft sits among the 400 Port Charlotte actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Port Charlotte
Get to know Port Charlotte. See the full Port Charlotte guide →
PORT CHARLOTTE 33953 — neighborhood snapshot
Population
7,018
Median age
62.9
Median income
$77,227
Median home value
$332,200
Avg household
2.36
Households w/ children
430
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte market
$289K → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
196 of 400
Port Charlotte actives have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 941% above the PORT CHARLOTTE 33953 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 14281 PALM TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$265,000
4224 OAK TERRACE CIRCLE · same community
3 bd · 2 ba · 1,465 sqft · $181/sqft · 170 DOM
Sold · Mar ’26$273,000
4290 OAK TERRACE CIRCLE · same community
3 bd · 2 ba · 1,451 sqft · $188/sqft · 278 DOM
Sold · Feb ’26$277,000
4285 OAK TERRACE CIRCLE · same community
3 bd · 2 ba · 1,434 sqft · $193/sqft · 262 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 14281 PALM TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14281 PALM TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
14281 PALM TERRACE FAQs
What would the monthly payment be for 14281 PALM TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,091/mo — principal and interest, the actual property-tax bill, the $170/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 14281 PALM TERRACE?+
The association fee works out to $170 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 14281 PALM TERRACE?+
The most recent tax bill on record (2024) was $3,743. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 14281 PALM TERRACE?+
The listing reports pets: Breed Restrictions, Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Port Charlotte?+
At $229,000, this home is listed about 31% below the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 14281 PALM TERRACE?+
Murdock Middle School (middle), Port Charlotte High School (high), Liberty Elementary School (elementary) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$229,000 runs 941% above the PORT CHARLOTTE 33953 median.
02Time on market is leverage
282 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $299,900, now $229,000 — a $71K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Tracy Meyer. MLS #D6144582.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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